/* VersiFi Insurance - inner pages (quote, fpi, thanks, privacy) for option 07
   "Soft Serif": airy light gradient, Instrument Serif headings, Inter body,
   VersiFi ink and a softened VersiFi gold for actions. Mobile first. */
:root {
  --ink: #0c1424; --ink-2: #2c3546; --muted: #5d6573; --line: rgba(12,20,36,.10); --line-2: rgba(12,20,36,.18);
  --bg: #f4f1e9; --paper: rgba(255,255,255,.7); --gold: #C9971F; --gold-ink: #8a6a12; --gold-soft: rgba(226,178,58,.16);
  --cta: #ecd98f; --cta-hover: #e3cb6f;
  --blue: #3f6abf; --blue-soft: rgba(63,106,191,.10); --good: #2f8a5f; --bad: #c43c3c;
  --r: 18px; --shadow: 0 30px 60px -45px rgba(12,20,36,.35);
  --max: 1120px;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; background: linear-gradient(180deg, #e8eef7 0%, #f4f1e9 38rem) no-repeat, var(--bg); color: var(--ink); font: 16px/1.6 "Inter", system-ui, -apple-system, "Segoe UI", sans-serif; }
img { max-width: 100%; display: block; }
a { color: var(--gold); }
h1, h2, h3 { line-height: 1.1; letter-spacing: -.02em; margin: 0 0 .5em; }
h1, h2 { font-family: "Instrument Serif", Georgia, serif; font-weight: 400 !important; letter-spacing: -.02em; }
h1 { font-size: clamp(2.1rem, 5.2vw, 3.6rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3.4vw, 2.3rem); font-weight: 800; }
h3 { font-size: 1.12rem; font-weight: 700; }
p { margin: 0 0 1em; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.eyebrow { display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-ink); margin-bottom: 14px; }
.lede { font-size: 1.15rem; color: var(--ink-2); max-width: 40em; }
.muted { color: var(--muted); }

/* header */
.top { position: sticky; top: 0; z-index: 10; background: rgba(244,241,233,.78); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); }
.top .wrap { display: flex; align-items: center; gap: 16px; height: 78px; }
.top .logo img { height: 42px; width: auto; }
@media (max-width: 520px) { .top .wrap { height: 70px; gap: 10px; } .top .logo img { height: 34px; } }
.logo img { height: 36px; width: auto; display: inline-block; }
.top nav { margin-left: auto; display: flex; align-items: center; gap: 22px; }
.top nav a { color: var(--ink-2); text-decoration: none; font-weight: 600; font-size: .95rem; }
.top nav a:hover { color: var(--ink); }
.top nav .navlink { display: none; }
@media (min-width: 760px) { .top nav .navlink { display: inline; } }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 13px 22px; border-radius: 999px; font-weight: 700; font-size: 1rem; text-decoration: none; border: 1px solid transparent; cursor: pointer; transition: transform .12s ease, background .12s ease; font-family: inherit; }
.btn:active { transform: translateY(1px); }
.btn.gold { background: var(--cta); color: var(--ink); }
.btn.gold:hover { background: var(--cta-hover); }
.btn.line { background: transparent; color: var(--ink); border-color: var(--line-2); }
.btn.line:hover { border-color: var(--ink); background: rgba(12,20,36,.04); }
.btn.sm { padding: 9px 16px; font-size: .92rem; }

/* hero */
.hero { padding: 72px 0 56px; background:
  radial-gradient(700px 380px at 92% 0%, var(--gold-soft) 0%, transparent 70%),
  radial-gradient(600px 400px at 0% 100%, var(--blue-soft) 0%, transparent 70%); }
.brandtxt { display: flex; align-items: center; gap: .6rem; text-decoration: none; color: var(--ink); font-weight: 600; font-size: 1.2rem; }
.brandtxt svg { width: 24px; height: 24px; }
.brandtxt small { color: var(--muted); font-weight: 400; font-size: .82em; }
.hero .ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 26px; }
.hero .proof { display: flex; flex-wrap: wrap; gap: 10px 26px; margin-top: 34px; color: var(--muted); font-size: .93rem; font-weight: 600; }
.hero .proof span::before { content: ""; display: inline-block; width: 8px; height: 8px; border-radius: 2px; background: var(--gold); margin-right: 8px; transform: rotate(45deg); vertical-align: 1px; }

section { padding: 64px 0; }
.band { background: var(--paper); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }

/* cards */
.grid { display: grid; gap: 18px; grid-template-columns: 1fr; }
@media (min-width: 680px) { .grid.two { grid-template-columns: 1fr 1fr; } .grid.three { grid-template-columns: 1fr 1fr; } }
@media (min-width: 980px) { .grid.three { grid-template-columns: 1fr 1fr 1fr; } }
.card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--r); padding: 24px; box-shadow: var(--shadow); }
.card .ic { width: 42px; height: 42px; border-radius: 11px; display: grid; place-items: center; background: var(--gold-soft); color: var(--gold-ink); margin-bottom: 14px; }
.card .ic svg { width: 22px; height: 22px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.card p { color: var(--ink-2); margin: 0; }
.card.who h3 { font-size: 1.3rem; }
.card.who ul { margin: 12px 0 18px; padding-left: 18px; color: var(--ink-2); }

/* steps */
.steps { counter-reset: s; display: grid; gap: 16px; grid-template-columns: 1fr; }
@media (min-width: 820px) { .steps { grid-template-columns: repeat(3, 1fr); } }
.step { position: relative; padding: 22px 22px 22px 70px; background: var(--paper); border: 1px solid var(--line); border-radius: var(--r); }
.step::before { counter-increment: s; content: counter(s); position: absolute; left: 22px; top: 20px; width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; font-weight: 800; background: var(--ink); color: #fff; box-shadow: inset 0 -2px 0 var(--gold); }
.step p { margin: 0; color: var(--ink-2); }

/* states */
.states { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 18px; }
.states span { padding: 6px 12px; border-radius: 999px; background: var(--paper); border: 1px solid var(--line); font-size: .9rem; font-weight: 600; }
.states span.home { background: var(--ink); color: #fff; border-color: var(--ink); }

/* cta band */
.cta { background: var(--ink); color: #fff; border-radius: 22px; padding: 40px 28px; display: grid; gap: 18px; align-items: center; position: relative; overflow: hidden; }
.cta::after { content: ""; position: absolute; right: -60px; top: -60px; width: 220px; height: 220px; border: 2px solid var(--gold); transform: rotate(30deg); opacity: .35; border-radius: 18px; }
.cta p { color: #C9CDD3; margin: 0; }
.cta .btn.gold { background: var(--cta); color: var(--ink); box-shadow: none; }
@media (min-width: 820px) { .cta { grid-template-columns: 1fr auto; padding: 44px 48px; } }

/* footer */
footer { padding: 40px 0 56px; color: var(--muted); font-size: .9rem; border-top: 1px solid var(--line); margin-top: 64px; }
footer .wrap { display: grid; gap: 22px; }
@media (min-width: 820px) { footer .wrap { grid-template-columns: 1.4fr 1fr 1fr; } }
footer img { height: 28px; width: auto; margin-bottom: 12px; }
footer h4 { color: var(--ink); margin: 0 0 8px; font-size: .95rem; }
footer a { color: var(--ink-2); text-decoration: none; }
footer a:hover { text-decoration: underline; }
footer .fine { grid-column: 1 / -1; font-size: .82rem; border-top: 1px solid var(--line); padding-top: 18px; }

/* form */
.formwrap { max-width: 820px; margin: 0 auto; }
.form { background: var(--paper); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border: 1px solid var(--line); border-radius: 20px; padding: 26px 20px; box-shadow: var(--shadow); }
@media (min-width: 680px) { .form { padding: 36px 40px; } }
.form fieldset { border: 0; padding: 0; margin: 0 0 30px; }
.form legend { font-size: 1.12rem; font-weight: 800; margin-bottom: 4px; padding: 0; }
.form .hint { color: var(--muted); font-size: .9rem; margin: 0 0 16px; }
.row { display: grid; gap: 14px; grid-template-columns: 1fr; margin-bottom: 14px; }
@media (min-width: 680px) { .row.two { grid-template-columns: 1fr 1fr; } .row.three { grid-template-columns: 2fr 1fr 1fr; } }
label.f { display: block; font-weight: 600; font-size: .93rem; }
label.f .req { color: var(--gold-ink); }
label.f small { display: block; font-weight: 500; color: var(--muted); font-size: .82rem; margin-top: 2px; }
.form input[type=text], .form input[type=email], .form input[type=tel], .form input[type=date], .form select, .form textarea {
  display: block; width: 100%; margin-top: 6px; padding: 12px 14px; border-radius: 10px; border: 1px solid var(--line-2); background: #fff; font: inherit; color: var(--ink); }
.form select option { background: #fff; color: var(--ink); }
.form input::placeholder, .form textarea::placeholder { color: rgba(185,190,207,.6); }
.form input[type=date] { color-scheme: dark; }
.form textarea { min-height: 96px; resize: vertical; }
.form input:focus, .form select:focus, .form textarea:focus { outline: 2px solid var(--gold); outline-offset: 1px; border-color: var(--gold); background: #fff; }
.choice { display: grid; gap: 10px; grid-template-columns: 1fr; }
@media (min-width: 560px) { .choice { grid-template-columns: 1fr 1fr; } }
.choice label { display: flex; gap: 12px; align-items: flex-start; padding: 14px 16px; border: 1px solid var(--line-2); border-radius: 12px; cursor: pointer; background: #fff; }
.choice label:hover { border-color: var(--ink); }
.choice input { margin-top: 4px; accent-color: var(--gold); }
.choice label:has(input:checked) { border-color: var(--gold); background: var(--gold-soft); box-shadow: inset 0 0 0 1px var(--gold); }
.choice b { display: block; }
.choice span { color: var(--muted); font-size: .88rem; }
.pills { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 6px; }
.pills label { padding: 9px 14px; border: 1px solid var(--line-2); border-radius: 999px; cursor: pointer; font-weight: 600; font-size: .92rem; background: #fff; }
.pills input { position: absolute; opacity: 0; pointer-events: none; }
.pills label:has(input:checked) { background: var(--ink); color: #fff; border-color: var(--gold); }
.pills label:has(input:focus-visible) { outline: 2px solid var(--gold); }
.only-lender, .only-investor, .only-reno, .only-portfolio { display: none; }
.is-lender .only-lender, .is-investor .only-investor, .has-reno .only-reno { display: block; }
.has-portfolio .only-portfolio { display: grid; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .9rem; color: var(--ink-2); }
.consent input { margin-top: 4px; accent-color: var(--gold); }
.submit { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; margin-top: 8px; }
.err { color: var(--bad); font-weight: 600; font-size: .92rem; }
.hidden { position: absolute !important; left: -9999px !important; }

/* theme toggle + night mode (2026-11-02) - mirrors the home page */
.themebtn { display: inline-grid; place-items: center; width: 38px; height: 38px; border-radius: 50%; border: 1px solid var(--line-2); background: transparent; color: var(--ink); cursor: pointer; flex: none; }
.themebtn svg { width: 17px; height: 17px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; }
.themebtn .i-sun { display: none; }
.top .wrap > nav { margin-left: auto; }
html[data-theme="dark"] .themebtn .i-sun { display: block; }
html[data-theme="dark"] .themebtn .i-moon { display: none; }
.btn.gold, .btn.gold:hover { color: #0c1424; }
html[data-theme="dark"] {
  color-scheme: dark;
  --ink: #eef1f6; --ink-2: #c6cdd9; --muted: #9aa3b2; --line: rgba(255,255,255,.10); --line-2: rgba(255,255,255,.2);
  --bg: #0a0f19; --paper: rgba(255,255,255,.05); --gold-ink: #e7cb72; --gold-soft: rgba(226,178,58,.14);
  --shadow: 0 30px 60px -40px rgba(0,0,0,.8);
}
html[data-theme="dark"] body { background: linear-gradient(180deg, #0f1828 0%, #0a0f19 38rem) no-repeat, var(--bg); }
html[data-theme="dark"] .top { background: rgba(10,15,25,.85); }
html[data-theme="dark"] .logo img { filter: invert(1) hue-rotate(180deg); }
html[data-theme="dark"] .form input, html[data-theme="dark"] .form select, html[data-theme="dark"] .form textarea,
html[data-theme="dark"] .choice label, html[data-theme="dark"] .pills label { background: rgba(255,255,255,.04); }
html[data-theme="dark"] .form select option { background: #0f1828; color: var(--ink); }
html[data-theme="dark"] .pills label:has(input:checked) { background: var(--cta); color: #0c1424; border-color: var(--cta); }
html[data-theme="dark"] .btn.line:hover { background: rgba(255,255,255,.06); }
html[data-theme="dark"] .step::before { background: var(--cta); color: #0c1424; }
html[data-theme="dark"] .states span.home { background: var(--cta); color: #0c1424; border-color: var(--cta); }
html[data-theme="dark"] .cta { background: #050911; border: 1px solid var(--line); }
html[data-theme="dark"] .form input:focus, html[data-theme="dark"] .form select:focus, html[data-theme="dark"] .form textarea:focus { background: rgba(255,255,255,.07); }
.top nav .btn { white-space: nowrap; }
@media (max-width: 520px) { .top nav { gap: 8px; } .top nav .btn.sm { padding: 8px 12px; font-size: .86rem; } }